The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,998
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,806
−HK$822/mo
Today · 4.125%
HK$27,628
baseline
▲ 0.50% · 4.625%
HK$29,309
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,256/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$787/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$986/mo
Today · 4.125%
HK$33,154
baseline
▲ 0.50% · 4.625%
HK$35,171
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,308/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,637
−HK$945/mo
Today · 4.125%
HK$36,582
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,164/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,397
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,529
−HK$1,150/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$41,033
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,358/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,491
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,577
−HK$1,102/mo
Today · 4.125%
HK$42,679
baseline
▲ 0.50% · 4.625%
HK$44,928
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,358/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,796
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,251
−HK$1,479/mo
Today · 4.125%
HK$49,730
baseline
▲ 0.50% · 4.625%
HK$52,756
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,460/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,060
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,456
−HK$1,417/mo
Today · 4.125%
HK$54,873
baseline
▲ 0.50% · 4.625%
HK$57,765
+HK$2,892/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,746/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,546 · Scale 2, in force from 26 Feb 2026)